What is Earnin?
At Earnin, we’re making money work in a way that’s fair’s good for everyone. Together with our community, we’re creating a future based on what’s possible rather than the way it’s always been done. That’s why we let people get paid when they want. The pay cycle was built for a time when everything was done manually. Now, we can move money at the touch of a button. So, why wait? If we stand together, we can transform how money works. If we help each other, we’ll all succeed.
Alternatives to Earnin
Sage Business Cloud AccountingSpotlightSage is the market leader for integrated accounting, payroll, and payment systems, supporting the ambition of the world’s… Learn more about Sage Business Cloud Accounting.
PaykassmaSpotlightAccept high risk payments from all over the world with Paykassma Leading payment processing solution in India, Bangladesh… Learn more about Paykassma.
PST.NETSpotlightPST.NET provides virtual cards in $ and € for online shopping and advertising. Top-up your account with a crypto or wire… Learn more about PST.NET.
Zil MoneyZil Money offers the Payroll by Credit Card feature to pay your employees on time and earn cash back rewards. Also write-off… Learn more about Zil Money.
Zil USZil.US offers international wire transfers. Open a checking account without visiting the US. The platform also offers ACH… Learn more about Zil US.
SpendNetSpend.net provides virtual Visa and Mastercard cards for online payments and advertising. Get up to 2% cashback on every… Learn more about SpendNet.
LinkPayExperience 0% deposit fee and 3% cash back for all online purchases with LinkPay's next-gen virtual crypto cards (VCC) Welcome… Learn more about LinkPay.
Total Web Solutions LtdTotal Web Solutions has been trading since 1995 offering business critical solutions to organisations of all sizes throughout… Learn more about Total Web Solutions Ltd.
OmniFundOmniFund® provides integrated payment, statement, and invoice services to B2B and B2C companies worldwide. Since 2005, OmniFund®… Learn more about OmniFund.
AirwallexEmpowering modern businesses to grow beyond borders. Airwallex is a leading global financial platform for modern businesses… Learn more about Airwallex.
Earnin Reviews (347)
- ★★★★★95
- ★★★★★11
- ★★★★★22
- ★★★★★22
- ★★★★★197
Review Summary
Generated using AI from real user reviews
Earnin is overwhelmingly disliked by recent users, with serious complaints about customer service, unexpected account withdrawals, and arbitrary restrictions.
The most common grievances centre on timing and account errors. Multiple users report Earnin debiting their accounts earlier than agreed, pushing their balances negative and triggering overdraft fees. When customers contact support, they describe unhelpful or dismissive responses—staff either claim ignorance, blame the bank, or refuse refunds. Several users say they were charged multiple overdraft fees and received no compensation despite Earnin's responsibility. A secondary complaint involves cash-out limits dropping without warning or explanation, even when accounts remain in good standing and payments are on time.
Additional problems emerge around work documentation and eligibility. Self-employed users report being rejected despite providing required materials. Salaried and work-from-home employees faced sudden account freezes or earning blocks during the pandemic when they couldn't supply timesheets, with customer service unable or unwilling to adapt. Some users also describe login and technical issues after reinstalling the app, account switching, and inaccurate earnings tracking.
A handful of five-star reviews appear generic or misaligned with their rating. Overall, users advise against the app, citing predatory practices, unreliable support, and the risk of financial harm. Several mention exploring alternatives like payday lenders or credit union salary advances as preferable options.
★★★★★
Thursday, December 28, 2017
“My son uses the app and showed me how to…”
My son uses the app and showed me how to use it. I had trouble verifying my bank at first but eventually it verified and I am a very happy customer. Their support team answers me within an hour and Its not some automatic message because of the questions I ask. I love this app and I recommend it to anyone that is in a small bind and need help until payday. The negative reviews on here are a bit much and im not sure why you guys had a bad experience. Its been good to me so far
★★★★★
Wednesday, December 20, 2017
“I’m sitting here reading these reviews and it’s blowing me…”
I’m sitting here reading these reviews and it’s blowing me away. I’ve been with Active Hours for months and while yes, I’ve had a few issues, they’ve resolved them quickly and correctly. Someone said nobody ever gets to a $500 cashout limit? I have. Their customer service has fixed any and every problem I’ve encountered and they’ve done it without any issues. The app works as advertised and the team really is top notch! Don’t let the negative reviews deter you, it really is a life saver!
★★★★★
Thursday, December 7, 2017
“I absolutely love the app, I think I saw it…”
I absolutely love the app, I think I saw it on Facebook...I must admit I was skeptical at first, but I haven't had any issues and I can max out up to $500. I was verified the very next day once I downloaded the app, it really came in handy when I need it and it was at "lightning speed." I have had nothing but a great experience with them!
★★★★★
Monday, December 4, 2017
“This app is a complete joke. I've tried several times…”
This app is a complete joke. I've tried several times to upload a pic of my pay stub to verify my employer and the amount I've made but Everytime they have some excuse for why it didn't take. I tried to contact support which ended up being now help whatsoever. I think this app is a scam.
★★★★★
Friday, October 27, 2017
“I was so afraid after seeing reviews to try this…”
I was so afraid after seeing reviews to try this app. Glad I tried it I have had no trouble. Customer service responds fast and are friendly. This apps comes in handy when you need it ! Verification took 3 days for me.
★★★★★
Friday, October 27, 2017
“I have been using this app for a couple of…”
I have been using this app for a couple of months and have no problems. On the app it seems to only update my bank info once every 2 days but I always get my money when I request it and it always takes it when it's due so I don't really see a problem with that. I am the type of person that if something is going to go wrong it is going to happen to me. And actually this is going really good. I was sceptical but with a sick child and no one else would give me money I was desperate. Turned out it was a good decision. I have recommended this to all my co workers. I opted out of the balance shield to try and avoid any wrong that might come. So far so good. Will keep using this app until they won't let me!!
★★★★★
Monday, October 23, 2017
“Great app, I just have an issue with reconnecting to…”
Great app, I just have an issue with reconnecting to my bank every other day. Then there is another 1 to 2 day period for bank verification. I've had it a week and my bank has been verified at least 4 different times. Would love a fix for that.
★★★★★
Thursday, October 19, 2017
“I have never had one issue with this app. People…”
I have never had one issue with this app. People keep complaining about they are cashing out when they arent asking to, im sure its because they have selected thw option to cash out once their bank balance gets to a certain point. I dont believe for one second this company is stealing. And in regards to active hours taking money before payday, thats because your bank posted your paycheck early and they want to get their money before you spend it. Obviously if you are using this app then you are spending more than you make or arent good at handling your money. Which i admit to fall in that category. So if course they are going to take their money when your paycheck is deposited. Dont believe for a second that they took money before your check was deposited. I do believe they take money before your official payday but many banks post direct deposits as soon as they receive them. If youre not getting overdrafts then dont act like you are. Thats why its taking customer service so long cause im sure you arent able to verify that they caused your account to overdraft. I 100 percent support this company. They are taking a huge risk by lending people money for free.
★★★★★
Thursday, October 12, 2017
“Wow. I was just about to try it out, but…”
Wow. I was just about to try it out, but naw....Im good. I'd rather be without than have additional headaches! Geesh! Let me know when this company gets serious.
★★★★★
Thursday, October 12, 2017
“I've had zero issues. It does what it says. You…”
I've had zero issues. It does what it says. You can only cash out up to 100$ a day and you tip what you think is fair. I have lightning speed so when I need it, it's put in my account immediately. As the sign up dictates, what you borrow it takes on the day you get paid... it's a payday loan without the crazy interest, just a tip if you choose to do one. I imagine most who use this consistently may not be good with budgeting anyway so maybe that is where all the poor reviews come from. Get prism if you need budget help. Active hours... thank you! Always reccomend!
